Side-by-side · Q2 2026 data
Carver Federal Savings Bank vs Lake Shore Bank
Metric by metric
| Measure | Carver Federal Savings Bank | Lake Shore Bank |
|---|---|---|
| TellerScore | 23 | 86 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 0 | 65 (stronger) |
| Funding & liquidity | 59 | 67 (stronger) |
| Problem-loan coverage | 28 | 98 (stronger) |
| Peer percentile | 0th | 90th |
| Total assets | $658.1M | $735.9M |
| Deposits / shares | $580.6M | $599.1M |
| Capital ratio | 8.73% | 17.43% (stronger) |
| Problem loans | 3.46% | 0.25% (stronger) |
| Net charge-offs | 0.21% | 0.00% (stronger) |
| Return on assets | -0.72% | 1.13% (stronger) |
| Loans ÷ deposits | 94.0% | 93.2% (stronger) |
| Uninsured deposits | 21.5% | 11.6% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 23). On the 7 directional measures above (where higher or lower is clearly better), Carver Federal Savings Bank leads on 0 and Lake Shore Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.